Verdict
- Lava Card scores higher overall (6.4 vs 6.3 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Lava Card | Mine Card |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 33 | 26 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | – | 70 |
| Custody & security | – | 85 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.4 | 5.1 |
| Best for Travel | 7.6 | n/a |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | n/a | 6.8 |
| Best for Stablecoins | 7.4 | 7.0 |
| Best for High Spenders | 6.1 | 5.1 |
| Best for Low Fees | 9.3 | 8.0 |
| Best for Beginners | 6.8 | 7.6 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveConditions apply: tap or hover for detailsShow source
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Card type
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Stablecoin cardConditions apply: tap or hover for detailsShow source
Spends from your USDC balance, converted at purchase
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Card program by Rain with a partner issuerShow source
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
Tiers / plans
Basic · PremiumConditions apply: tap or hover for detailsShow source
Metal and Private announced, no price yet
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic and Premium are one-off fees, no subscription
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium tier (physical + virtual card), one-off; $99 with an invite code
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
One-off; free with an invite code
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Top-up fee
FreeShow source
Other fees & markups
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Users based outside the US; 3% for US users; 5% at Lava merchant partners
0%Conditions apply: tap or hover for detailsShow source
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
BTCShow source
USDCShow source
Cashback type
CryptoShow source
StablecoinShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Opt-in Earn via Aave V3, off by default; variable
Cashback conditions
3% back in bitcoin for US-based users, 1% outside the US · 5% at Lava merchant partners · Redeemable from 100,000 sats (0.001 BTC) · No rewards on fines, taxes, insurance, rentals and schoolsShow source
Credit & financing
Spend own balance directly
YesShow source
Availability
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
CHF · EUR · USDCShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium tier
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Limit $20,000 per month on Basic, $60,000 on Premium
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Listed only under the (not yet released) Metal tier; not on Basic or Premium
Spendable assets
USDCShow source
Limits
ATM limit
$20,000Conditions apply: tap or hover for detailsShow source
Per month on Basic; $60,000 on Premium
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to opt-in Earn via Aave V3
Annual cost at 1,500 EUR/month
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers